[Lorianne]

The problem with this approach is that much hurricane damage (and death) is due to parts of building flying into other buildings (and people). For example, much of the damage done to building which withstand hurricane winds, is done by parts of unsafe buildings and unsecured items flying into buildings which would otherwise suffer much less damage.

So built-in obselescence costs everyone money, and some people their lives.

[supercat]

The problem with this approach is that much hurricane damage (and death) is due to parts of building flying into other buildings (and people).

But does shoddy construction expose a homeowner (or insurance carrier) to liability from damage that parts of their home do to other properties?

If the insurance and liability practices create a moral hazard, that would suggest a problem with such practices.